Self-build mortgage. Build your dream home!

Self-build mortgages offer the advantage of tailored financing for constructing your dream home, providing flexibility, control over design, and potentially lower costs compared to purchasing a pre-built property. Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

How do I get started with my self-build mortgage?

Building a new house is an exciting milestone in one’s life, but it can also be rather stressful. A self-build mortgage is different from a regular mortgage in several key ways, primarily because it is designed to finance the construction of a new home rather than the purchase of an existing property. Here are the main differences between a self-build mortgage and a regular mortgage:

Getting a quote is the first step, as one of our expert award-winning advisors will contact you and guide you all the way. You can also download our Guide below which will help you familiarize yourself with the whole process and valuable tips.

Educating yourself about these concepts empowers you to make informed decisions and negotiate favourable terms with lenders. 

Deposit

For your first mortgage, you will require a minimum of a 10% deposit. You may be eligible for the HTB incentive of up to €30,000.

Application

You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.

Approval

Once your lender has approved your loan, you get an AIP (Approval In Principle) and you can make an offer on your new home.

The ultimate guide for First-Time Buyers.

Get instant access to a complete GUIDE that will save you the hassle and prepare you for a mortgage, providing a convenient checklist of essential documents and step-by-step instructions to help you secure your dream home. Don’t wait, download now!

Your journey towards your dream home starts here!

After you download your guide, one of our expert mortgage advisors will be in touch shortly to provide you with guidance and further relevant information including typical repayments, qualification amounts and mortgage requirements.

Start your journey today. Take the first step to achieve all your financial goals.

Meet our Team of Expert Advisors

How to apply for a self-build mortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Want to get started with your first mortgage? Need more advice?

Google Reviews

LowQuotes.ie
4.9
Based on 1386 reviews
Jennifer D.
Jennifer D.
⭐ Testimonial for Séamus and Courtney at Low QuotesWe genuinely cannot put into words how grateful we are to Séamus and Courtney at Low Quotes for everything they have done for us. Securing mortgage protection was by far the most difficult and emotionally exhausting part of our home buying journey, and after being let down by multiple brokers who either gave up on us or offered no real guidance, we had almost lost hope.Séamus and Courtney were the only two people who not only took the time to understand our situation, but who gave us real support, reassurance, and above all solutions! From the very beginning, they were compassionate, responsive, and entirely committed to helping us overcome the challenges we faced due to a complex medical issue. Where others simply said “no,” they said, “let’s find a way.”They gave us their personal phone numbers, kept us updated daily, and guided us through every step of the process from gathering medical documentation, to structuring our application, to understanding exactly how underwriting would work. They were open, honest, and incredibly knowledgeable. But more than that, they treated us like people, not just a case.We can say without hesitation that we would not have secured mortgage protection and therefore our home without their help. Thanks to Séamus and Courtney’s dedication and industry insight, we are now moving into our forever home. This was not just exceptional service this was the best customer experience we’ve ever had, in any industry.We will never forget what they did for us, and we will be recommending Low Quotes to absolutely everyone we know.From the bottom of our hearts — thank you Séamus and Courtney. You’ve changed our lives.Jennifer & Mark
Response from the owner: Hey Jennifer & Mark,Thank you so much for your heartfelt review. We’re truly moved by your kind words and so glad that Séamus and Courtney were able to support you through such an important and emotional part of your home-buying journey.It’s incredible to hear how their dedication, compassion, and persistence made a real difference. At LowQuotes, we believe every client deserves to be treated with care and understanding, and your story is a powerful reminder of why we do what we do.We’re absolutely delighted that you’re now moving into your forever home — what an amazing milestone! Séamus and Courtney will be so proud to know they helped make that possible.Wishing you all the best in this exciting new chapter, and thank you again for trusting us and sharing your experience. If you ever need anything in the future, we’re always here.Best regards,LowQuotes Team
Luboslava S.
Luboslava S.
Niamh was really helpful and patient with all our questions and issues during our journey. Thank you
Response from the owner: Hey Luboslava,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was so helpful and patient throughout your journey. We always aim to provide clear, supportive guidance, so your feedback truly means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Joachim F.
Joachim F.
Exceptional service, Colin and Courtney went above and beyond to get my policy sorted, it was a tough task but they stayed the course and got it sorted. Genuinely cannot recommend them enough.
Response from the owner: Hey Joachim,We’re delighted to hear about your positive experience with our team. It’s great to know they went above and beyond to get your policy sorted, even with the challenges involved. We always aim to make the process as smooth and stress-free as possible, so your feedback really means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
kul G.
kul G.
Very professional and extremely helpful while explaining all the importance and benefits of mortgage protection insurance.Aoife Morgan helped me get the best quote for my mortgage protection insurance and she is very willing to help at all times by email or phone.
Response from the owner: Hey Kul,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to clearly explain the importance and benefits of mortgage protection insurance and help you secure the best quote. We’re especially glad to hear she was so responsive and supportive throughout the process.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Jikku bijy M.
Jikku bijy M.
Great experience with Ross throughout the process.
Response from the owner: Hey Jikku,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to support you throughout the process and make everything run smoothly. Your feedback is very much appreciated!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Ib
Ib
Ross was very helpful. He gave a variety of options and explains the benefits of each of them. It was also quick, easy and straightforward to get everything done and get the cover I needed.
Response from the owner: Hey Ib,We’re delighted to hear about your positive experience with Ross. It’s great to know he provided a variety of options and clearly explained the benefits of each, making the process quick, easy, and straightforward. That’s exactly what we aim for!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Sophie D.
Sophie D.
Niamh was absolutely phoenomenal. We hadn’t a clue what we were at and she held our hand from the word go. We also had a couple of not so straight forward issues which she managed like an absolute pro. Seriously cannot recommend Low Quotes (in particular Niamh) enough!!!
Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Niamh. It’s fantastic to know she was there to guide you from the very beginning and handled everything — even the tricky bits — like a true pro. We’re so glad she made the process smooth and stress-free for you!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Rahul H.
Rahul H.
Got the best quote and Aoife was super helpful in walking us through the details and sharing recommendations.
Response from the owner: Hey Rahul,We’re delighted to hear about your positive experience with Aoife. It’s great to know she helped you secure the best quote and guided you through all the details with helpful recommendations. That’s exactly the level of support we aim to provide!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
martin M.
martin M.
Very helpful and informative and saved us money too!
Response from the owner: Hey Martin,We’re delighted to hear about your positive experience! It’s great to know we could help make things clear and even save you some money along the way — that’s exactly what we aim for.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Rachael B.
Rachael B.
Niamh was absolutely amazing to deal with. She was informative about our mortgage options as we were coming to the end of our fixed term. She gave us great advice about how we could save money each month. She also helped us with our life insurance and made sure our family was well covered if the worst should happen. I couldn't recommend Niamh enough!
Response from the owner: Hey Rachael,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was able to clearly explain your mortgage options, offer money-saving advice, and ensure your life insurance gave you peace of mind. We aim to make the process as smooth and supportive as possible, so your feedback means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Siobhan R.
Siobhan R.
We dealt with Craig for our mortgage protection, he was super helpful, explained everything clearly and was very professional. Very quick and easy service, highly recommend.
Response from the owner: Hey Siobhan,We’re delighted to hear about your positive experience with Craig. It’s great to know he explained everything clearly and made the process quick and easy for you. We aim to make mortgage protection as straightforward and professional as possible, so your kind words mean a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Tracy C.
Tracy C.
Craig was extremely helpful and very thorough covering all the options available. Answered all my questions. Getting my policy set up was very quick and easy. Highly recommended
Response from the owner: Hey Tracy,We’re delighted to hear about your positive experience with Craig. It’s great to know he was thorough, helpful, and made the process of setting up your policy quick and easy. We always aim to make everything as clear and stress-free as possible, so your feedback means a lot to us!If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Laurence M.
Laurence M.
We used LowQuotes for our Mortgage Protection Policy. Anna couldn’t have been any more helpful and professional. We needed the policy activated as soon as possible and she turned it around extremely quickly for us with no delays. Would definitely recommend.
Response from the owner: Hey Laurence,We’re delighted to hear about your positive experience with Anna. It’s great to know she was so helpful and professional throughout the process. We’re especially glad she could activate your Mortgage Protection Policy quickly and without delays — timing is everything!If you ever need anything else in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
cameron
cameron
Cormac was great to deal with and was able to run through all of my options quickly and efficiently.
Response from the owner: Hey Cameron,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to walk you through all your options quickly and efficiently. We always aim to make the process as smooth and straightforward as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Carrie M
Carrie M
Excellent service. Shaun was extremely helpful and gave good advice!
Response from the owner: Hey Carrie,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was extremely helpful and provided solid advice throughout the process. We aim to offer excellent service and clear guidance, so your feedback is truly appreciated!If you need anything else in the future, feel free to reach out.Best Regards,LowQuotes Team
Chibuzor U.
Chibuzor U.
Customer service personnel, Maik Ikpomwen is very good, as he took his time to explain the cover very well to my understanding.He was patient to answer all my questions.
Response from the owner: Hey Chibuzor,We’re delighted to hear about your positive experience with Maik Ikpomwen. It’s great to know he took the time to explain everything clearly and patiently answered all your questions. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jeffery C.
Jeffery C.
Brilliant service, highly recommended.
Response from the owner: Hey Jeffery,We’re delighted to hear you had a brilliant experience with our service. Your recommendation means a lot to us! We always aim to make the process as smooth and helpful as possible. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
rosemary K.
rosemary K.
excellent customer service colin was professional and i was happy with the results would highly recommend
Response from the owner: Hey Rosemary,We’re delighted to hear about your positive experience with Colin. It’s great to know he was professional and able to assist you effectively. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Caobhlinn G.
Caobhlinn G.
We had the lovely Maik helping us out with out with our application. He was extremely understanding, incredibly kind and so professional. He made the process so easy for us! I think Maik might be the most outgoing person I've spoke to! Thank you Maik!! 10/10
Response from the owner: Hey Caobhlinn,We’re delighted to hear about your positive experience with Maik. It’s great to know he was understanding, kind, and made the process so easy for you. We completely agree – his outgoing nature really makes a difference! We aim to offer a professional yet friendly service, so your feedback means a lot to us. If you need anything else down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team
Louise D.
Louise D.
I would 100% recommend to get insured through these. I was looking online, vague idea of what I Wanted and Colin from low quotes helped me understand so much, answered every question I had, listened to what I was looking for and set me up with the best quote, now I feel safe and secure in this decision that I made for my Family.
Response from the owner: Hey Louise,We’re delighted to hear about your positive experience with Colin. It’s great to know he helped you understand your options clearly and supported you every step of the way. Making sure you feel safe and secure in your decision is exactly what we aim for!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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Your Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI is your Loan to Income rate, generally you are allowed to borrow 3.5x your annual income before tax. Some exceptions may apply.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

Warning: You may lose your home if you do not keep your repayments.

Warning: The cost of your monthly repayments may increase. 

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, limiting your ability to access credit in the future. 

Warning: The entire amount you have borrowed will still be outstanding at the end of the interest-only period. The lender may adjust the payment rates on this housing loan from time to time. (Applies to variable-rate loans only).

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Career opportunities at LowQuotes.

Here at LowQuotes, we want to ensure that our clients receive the highest standards of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.